长期以来,新能源车险始终陷入"车主保费负担重、险企经营持续亏损"的矛盾循环。2024年全行业新能源车险亏损额高达57亿元。人保财险当年在整体车险与新能源车险领域的市场份额分别达到32%与34%,相当于每三份车险保单中就有一份由其承保。但新能源车出险概率与赔付金额分别达到传统燃油车的2.5倍和1.4倍。(相关深度分析参见《历经三年艰难调整,行业龙头终现家用车险盈利曙光,最大制约因素何在?|新能源车险深度调查②》)
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Hai Jin, Huazhong University of Science and Technology。快连下载对此有专业解读
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Android's Driving Mode Now Activates More Intelligently